Enye indlela yokutyala imali kwizabelo zenziwa ngolona khuseleko lukhuselayo okanye olulondolozayo. Ukuze ngale ndlela, abatyali zimeko ezifanelekileyo khusela izikhundla zabo kwiimarike zezemali. Nokuba uphi. Ayisiyiyo kuphela kwimarike yemasheya, kodwa ngayo ezinye iimveliso zemali ezinobundlobongela (iimvume, ukuthengisa ngetyala okanye ukhetho lwamva). Ukuze bakwazi ukusebenza kuzo zonke iimeko zokulingana, kubandakanya nezona zingathandekiyo kwimidla yabo.
Isicwangciso, nangona sikhuselekile, asiqinisekisi ukubuya okungaguqukiyo. Kungenxa yokuba, ekugqibeleni, yimakethi yesitokhwe eneempawu zonke enegalelo lokuvula imisebenzi kwiimarike zemali. Nangeyiphi ndlela, ziintshukumo ezijolise kwiprofayili yomtyali mali echazwe kakuhle. Umsebenzisi wobudala obuthile, ngaphandle kokubekwa emngciphekweni kwaye ofuna ukhuseleko olukhulu kwimisebenzi yabo njengeyona miqondiso iphambili yesazisi. Ngokusekwe kwezi ndawo zilula, baya kuba kwimeko yokukhetha olu hlobo lukhethekileyo lotyalo-mali.
Kuzo zonke iintengiso zestokhwe, kubandakanya neSpanish, kuhlala kukho amaxabiso ezi mpawu. Banikwa ukungazinzi okuncinci xa kuthelekiswa nezinye izindululo zokulingana. Bakumacandelo ahluke kakhulu anje ngala yanelisa ibango lakho ukususela ngoku ukuya phambili. Lutyalo-mali, olungcono okanye olubi kunolunye, kodwa lwahlukile nje kwaye luhlengahlengiswa kuthotho lwabatyali zimali basekuhlaleni ngokweenjongo zalo.
Njani amaxabiso okuzikhusela?
Ewe ungawachonga la maxabiso ngokulula. Elinye lamaqhinga kukujonga ukuvela kweenkampani ezidwelisiweyo. Kuba, enyanisweni, abahlali bekhulisa umohluko omkhulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Kodwa ngokuchaseneyo babonisa umohluko omncinci kwizicatshulwa zabo zemihla ngemihla. Ukufikelela kwinqanaba lokuba amaxabiso ekunzima kakhulu ukuwenza imisebenzi yangaphakathi. Oko kukuthi, kwangolo suku lunye kwaye bafuna ubukhali ngakumbi kuvavanyo lwabo lwemihla ngemihla. Yinto engenakuphazanyiswa kubo bonke kwaye phantse ngaphandle kokukhetha.
Olunye lweempawu zabo eziphambili luhlala kwinto yokuba zihlala zixhaswa ngumthamo obaluleke kakhulu wezorhwebo. Phi abathengi kunye nabathengisi abaninzi batshintsha izihloko. Nangona zihlala ziinkampani ezinkulu kunye ne-cap-cap, iinkampani ezinobunzima obuphantsi bezikhona kwii-indices ezifanelekileyo. Akumangalisi ukuba izitokhwe ezikhuselayo zezona zixatyiswe kakhulu ngabatyali mali abancinci nabaphakathi. Ngodidi lwabasebenzisi abathembekileyo kwezi zindululo zokunxibelelana nehlabathi lemali.
Kodwa kuqala kwinto yonke, kuya kuba yimfuneko ukucacisa ukuba ngawaphi amacandelo emarike yemasheya ekunokwenzeka ukuba abandakanye eli klasi lamaxabiso akhethekileyo. Ewe, ezinye ziya kwaziwa ngabo bonke, kodwa kuya kubakho enye into engaqhelekanga enokumothusa ngalo mzuzu kanye. Ukuya kuthi ga ngoku ukuba zizindululo ezijolise kuzo zohlaziyo ngabaphathi abajongene nokulungiswa kwengxowa mali. Ke ngale ndlela, ukwimeko ezilungileyo zokuchaza isicwangciso-qhinga sokwenza ukonga kwakho ngenzuzo kunye neziqinisekiso ezikhulu zempumelelo.
Zonke izinto zombane ngokubanzi
Ukuba kukho icandelo elikhuselayo ngokugqwesa, alikho elinye ngaphandle kwelo limelwe ziinkampani zombane. Bayazifezekisa zonke iimfuno zokuba babe kule klabhu ikhethiweyo yezabelo zamazwe. Ukongeza, bayakuvumela ukuba uqokelele iintlawulo zesahlulo abanegalelo kuzo kwizabelo zabo. Ngengeniso yonyaka kunye nengatshintshiyo ebaphakathi kwe-3% kunye ne-8%. Ukuze ngale ndlela, ube nengeniso emiselweyo ngaphakathi umahluko. Njengomvuzo wabona batyalo-mali banolondolozo kwiimarike zezemali. Ngayiphi na imeko, akufuneki ilahleke kwipotifoliyo yakho yotyalo-mali.
Olu didi lokhuseleko lukwabonakaliswa ngenxa yokuba indlela eliziphethe ngayo ingcono kakhulu kwizindululo ezisele zentengiso yemasheya kwi uninzi lweziganeko ezingathandekiyo kwiimarike zezemali. Nangona ngokuchaseneyo, baneziphumo ezichaseneyo neentshukumo eziqhubayo. Kuba uhlaziyo lwayo alunamandla njengakwamanye amaxabiso omvuzo oguqukayo. Ngayiphi na imeko, ngabo awuyi kuba ngusozigidi, kodwa ngenxa yesizathu esifanayo awuyi konakaliswa ukuba ukhetha ezinye zazo. Banikezela ngozinzo olukhulu kwizikhundla ozivulayo nakweyiphi na imeko yezoqoqosho.
Icandelo lokutya: khusela
Ukuba ufuna ukukhetha isitokhwe esizikhuselayo, ngekhe ulibale nakweziphi na iinkampani ezinxulumene nokutya. Kangangoko banako Hlaziya kwakhona nakwezona meko zinzima kwiimarike zezemali. Ukuziphatha okungcono kunabanye. Iya kuba sesinye seziqinisekiso zokuba uya kubonelela ngala maxabiso. Kungenxa yokuba ukungazinzi abakubonisayo kuphantse akukho. Ngamafutshane, iya kuba sisibonelelo esibaluleke kakhulu ukukhusela umdla wakho njengomtyalomali omncinci nophakathi.
Nangona kunjalo, enye yeengxaki zokungenelela kwezi zindululo zentengiso yesitokhwe yile Unikelo oluncinci olunikezelwa yimarike yaseSpain. Kuba ngokwenyani, awuyi kuba nesithuba esininzi kakhulu onokukhetha kuso. Endaweni yoko kuya kufuneka uhlalutye ngokubanzi ii-indices zalo mmandla. Uya kuba neengxaki ezininzi kunokuba bekulindelwe kwaye kuzo zonke iimeko uphantsi komda kwimigca yeshishini ephuhliswe ziinkampani ezibandakanyiweyo kweli candelo likhuselayo.
Ebro okanye iCampofrio ziya kuba zezinye zexabiso ezimbalwa ezanelisa ezi mfuno kutyalo-mali olwenzileyo. Awunakukhetha ngaphandle kokuya kwezinye iindawo zamazwe aphesheya apho isithembiso sikhulu ngakumbi. Njengomzekelo, kwii-equity zaseFrance naseMntla Melika Nangona kutshintshiselana nokuthatha iikhomishini ezibanzi ngakumbi kunezo zinikwe amandla kwiimarike zesizwe. Iya kuba yenye yeemfuno ekuya kufuneka uhlangane nazo ukufezekisa lo mnqweno kufuneka utyale kwezona zikhuselekileyo.
Ewe, esinye sezicwangciso onokuzisebenzisa ukusukela ngoku kukubandakanya naziphi na ezi zixabiso kwipotifoliyo yakho. Ngaphantsi kweepesenti ezifanelekileyo kakhulu kuxhomekeke kwiprofayili oyivezayo njengomtyali mali wevenkile. Kuzo zonke iimeko, baya kukubonelela ngozinzo olukhulu kwaye baya kukuthintela ekubeni neentloko ezimbalwa xa izinto zingaphuhlisi njengoko ubulindele kwasekuqaleni. Yirhafu encinci oza kuyibhatala ngokusebenzisa esi sicwangciso sikhethekileyo.
Iinshurensi nazo ziyasilela
Kungenzeka njani ukuba kungenjalo, iinkampani zeinshurensi zezinye zezindululo ekungafanelekanga ukuba zisilele kwesi sithuba sikhethekileyo. Kungenxa yokuba banikezela umgca ozinzileyo kunye nokudityaniswa kweshishini kwiiakhawunti zabo zeshishini. Nangona unengxaki enkulu yokunikezelwa okucetywayo kweli candelo. Ngamaxabiso amancinci okusilela kwabo ukwanelisa ibango labatyali mali. Ukuya kwinqanaba lokuba ngaphakathi kwintengiso yesitokhwe saseSpain bamelwe kuphela IMapfre kunye neCatalana de Seguros. Njengoko ubona, zimbalwa kakhulu iingcebiso zokwenza ukonga kunenzuzo.
Ukuba lo ngumnqweno wakho, awuzukukhetha ngaphandle kokuya kwimarike yemasheya yelizwekazi elidala. Apho ezona nkampani zibalulekileyo kweli candelo zimelweyo. Ngokukodwa, i Izabelo zejamani lelona libandakanya elona nani likhulu leenkampani kwezi mpawu. Kuzo zonke iintlobo kunye nazo zonke iintlobo zemigca yeshishini. Ewe kunjalo, zizokhuseleko ezikhuselayo kodwa ngothotho lwezindululo ezingonelanga ukuba umdla wakho uvule izikhundla kwiimarike zezabelo.
Amaziko amakhulu okusasaza
Ezi nkampani ziyinxalenye yotyalo-mali olulondolozayo lwabasindisi. Nangona kusilela okufanayo nakwezinye iimeko zangaphambili. Ngokukodwa, ngokubhekisele kwimarike yaseSpain. Apho i-DIA ingomnye wabameli abambalwa ekufuneka usebenze ngokusesikweni imisebenzi yokuthenga. Kuya kufuneka uphinde uye kwezinye iimarike zezemali ukuze ufezekise iinjongo zakho. Ngesizathu esilula kakhulu sokuchaza. Kuba uninzi lwamaziko amakhulu okusasaza awathengiswa esidlangalaleni. Imizekelo ibetha kakhulu: U-El Corte Inglés, uMercadona okanye uEroski zezinye zazo.
Nokuba yeyiphi indlela, kuhlala kungumqondiso wozinzo ukugcina ukonga. Kwaye bade basasaze izabelo phakathi kwabo babelana ngezabelo ukuphakamisa umdla wabo emehlweni abasebenzisi beemarike zentengiso. Ayililo icandelo leqhinga njengakuleyo yangaphambili kwaye inezindululo ezinqongopheleyo kunakuzo zonke iimeko. Ukuya kwinqanaba lokuba inokubuyiselwa endaweni kunezo sele zikhankanyiwe. Ngevolumu ephezulu yokugaya abantu Ngexesha leminyaka edlulileyo. Kwinjongo yokutsala inani elikhulu labatyali mali abancinci nabaphakathi.
Ngamafutshane, unezindululo ezininzi kwezona ndawo zikhuselayo zeemarike zezemali. Ngoku iya kuba nguwe kuphela ekufuneka ukhethe ukuba zeziphi ezona zindululo zichanekileyo zokwenza ukuba iiasethi zakho zinenzuzo ukusukela ngoku. Ngaphandle kwento yokuba izindululo eziqinisekisayo zikwanjalo ziyafumaneka kwezinye ii-asethi eziyimali, kubandakanya nezo ezivela kumvuzo osisigxina. Umzekelo, ityala loluntu, igolide, iibhondi kwaye ngamanye amaxesha kwaneoyile inokusetyenziswa. Kwezinye iimeko, ngokubaluleka kokuphononongwa okubaluleke kakhulu.
Utyalomali olukhuselayo, kwelinye icala, yinxalenye yelizwe lemali ekufuneka uyihlalutye. Ngokukodwa kuba iya kukunika uxolo lwengqondo ngakumbi xa ujongene nokuphazamiseka okunokwenzeka kwiimarike zezemali. Hayi lilize, iya kuba yenye indlela ukuze wenze olona londolozo.